| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS LLC | 3711 JOHN F KENNEDY PARKWAY SUITE 220 FORT COLLINS, CO 80525 | DELTA DENTAL OF COLORADO | $3K | $0 | $3K | 3.41% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | DELTA DENTAL OF COLORADO | $1K | $0 | $1K | 1.64% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH ST GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.44% |
| SHIRAZI-MILLER BENEFITS LLC Filed as: SHIRAZI BENEFITS LLC | 8205 W 20TH ST GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.56% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.48% |
| SHIRAZI-MILLER BENEFITS LLC3 | 8205 W 20TH ST GREELEY, CO 80634 | VISION SERVICE PLAN | $746 | $0 | $746 | 7.53% |
| GROUP BENEFITS SERVICES LLC3 | 8055 E TUFTS AVE SUITE 1000 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 11.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 5755 MARK DAPLING BLVD SUITE 300 COLORADO SPRINGS, CO 80919 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $229 | $24 | $253 | 2.84% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 134 | $88K |
| Vision | VISION SERVICE PLAN | 74 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $58K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $58K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.